Fourth-generation banker became head of Banco Santander in 1986. Built it into Santander Central Hispano. Now one of the world's top three banks in terms of income; posted $12.8 billion in net profits in 2009. Continues to strengthen position in Latin America, which generated 36% of profits. Exposure to Madoff scheme: one of its funds had money with Madoff. Clients lost $3 billion which bank offered to help cover, but apparently not management fees or supposed investment gains. Daughter and heir apparent, Ana Botin, runs Banesto, bank's retail branch. Botin's great-grandfather discovered the famous Altamira caves in northern Spain in 1879. Emilio enjoys golf, hunting and fishing.